Village Bank & Trust Financial Corp. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

Date: December 1, 2016
Pages: 50
Price:
US$ 499.00
Village Bank & Trust Financial Corp. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
Publisher: BAC Reports
Report type: Strategic Report
Delivery: E-mail Delivery - PDF (on default),
Hard Copy Mail Delivery (+US$ 190.00)
ID: V08084F9DDDBEN
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Village Bank & Trust Financial Corp. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
Village Bank & Trust Financial Corp. Fundamental Company Report provides a complete overview of the company’s affairs. All available data is presented in a comprehensive and easily accessed format. The report includes financial and SWOT information, industry analysis, opinions, estimates, plus annual and quarterly forecasts made by stock market experts. The report also enables direct comparison to be made between Village Bank & Trust Financial Corp. and its competitors. This provides our Clients with a clear understanding of Village Bank & Trust Financial Corp. position in the Banks and Thrifts Industry.

  • The report contains detailed information about Village Bank & Trust Financial Corp. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
  • Another part of the report is a SWOT-analysis carried out for Village Bank & Trust Financial Corp.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
  • The Village Bank & Trust Financial Corp. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
  • In the part that describes Village Bank & Trust Financial Corp. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
  • Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Village Bank & Trust Financial Corp. business.

About Village Bank & Trust Financial Corp.

Village Bank and Trust Financial Corp. operates as the holding company for Village Bank, which provides banking and related financial services to individuals and businesses in Richmond, Virginia metropolitan area.

Subsidiaries

The company’s wholly owned subsidiaries include Village Bank Mortgage Corporation (Village Bank Mortgage), a full service mortgage banking company; Village Insurance Agency, Inc. (Village Insurance), a full service property and casualty insurance agency; and Village Financial Services Corporation (Village Financial Services), a financial services company.

Market Area

The company focused its operations in Chesterfield County, Virginia. In addition to Chesterfield County, it has opened three branches in both Hanover and Henrico Counties, and one in Powhatan County. As of December 31, 2009, the company had 15 full service banking offices.

Lending Activities

The company offers a range of short-to-medium term commercial and personal loans. Commercial loans include both secured and unsecured loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements), and purchase of equipment and machinery. Consumer loans include secured and unsecured loans for financing automobiles, home improvements, education, and personal investments. It also originates fixed and variable rate mortgage loans and real estate construction and acquisition loans. Residential loans originated by its mortgage company are usually sold in the secondary mortgage market.

Commercial Real Estate Lending: The company finances commercial real estate for its clients and commercial real estate loans represent the major segment of its loan portfolio. It finances owner-occupied commercial real estate at an 80% loan-to-value ratio or less.

Residential Mortgage Lending: The company makes permanent residential mortgage loans for inclusion in the loan portfolio. The majority of permanent residential loans are made by its subsidiary, Village Bank Mortgage, which sells these products to investors in the secondary mortgage market. It originates both conforming and non-conforming single-family loans.

Real Estate Construction Lending: This segment of the company’s loan portfolio is residential in nature and includes loans with short duration. Residential houses under construction and the underlying land for which the loan was obtained secure the construction loans. Additionally, it offers real estate construction financing to individuals.

Commercial Business Lending: The company’s commercial business lending includes lines of credit, revolving credit facilities, term loans, equipment loans, stand-by letters of credit, and unsecured loans. Commercial loans are written for business purpose, including the financing of plant and equipment, carrying accounts receivable, general working capital, contract administration, and acquisition activities. Commercial business loans are secured by accounts receivable, equipment, inventory, and other collateral, such as marketable securities, cash value of life insurance, and time deposits.

Consumer Installment Lending: The bank offers various types of secured and unsecured consumer loans. It makes consumer loans primarily for personal, family, or household purposes.

Investment Portfolio

As of December 31, 2009, the company’s investment portfolio included securities of the U.S. government agencies, mortgage-backed securities, municipals, and other investments.

Deposits

The company’s various deposit products include noninterest-bearing demand accounts; and interest-bearing deposits, including interest checking accounts, money market accounts, savings accounts, and time deposits.

History

Village Bank and Trust Financial Corp. was founded in 1999.


The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.

RESEARCH METHODOLOGY

DISCLAIMER

1. VILLAGE BANK & TRUST FINANCIAL CORP. COMPANY PROFILE

1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History

2. VILLAGE BANK & TRUST FINANCIAL CORP. BUSINESS OVERVIEW

2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units

3. VILLAGE BANK & TRUST FINANCIAL CORP. SWOT ANALYSIS

3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats

4. VILLAGE BANK & TRUST FINANCIAL CORP. FINANCIAL ANALYSIS

4.1. Financial Statements
  4.1.1. Income Statement
  4.1.2. Balance Sheet
  4.1.3. Cash Flow
4.2. Financial Ratios
  4.2.1. Profitability
  4.2.2. Margin Analysis
  4.2.3. Asset Turnover
  4.2.4. Credit Ratios
  4.2.5. Long-Term Solvency
  4.2.6. Growth Over Prior Year
  4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot

5. VILLAGE BANK & TRUST FINANCIAL CORP. COMPETITORS AND INDUSTRY ANALYSIS

5.1. Village Bank & Trust Financial Corp. Direct Competitors
5.2. Comparison of Village Bank & Trust Financial Corp. and Direct Competitors Financial Ratios
5.3. Comparison of Village Bank & Trust Financial Corp. and Direct Competitors Stock Charts
5.4. Village Bank & Trust Financial Corp. Industry Analysis
  5.4.1. Banks and Thrifts Industry Snapshot
  5.4.2. Village Bank & Trust Financial Corp. Industry Position Analysis

6. VILLAGE BANK & TRUST FINANCIAL CORP. NEWS & EVENTS

6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events

7. VILLAGE BANK & TRUST FINANCIAL CORP. EXPERTS REVIEW1

7.1. Experts Opinion
7.2. Experts Estimates

8. VILLAGE BANK & TRUST FINANCIAL CORP. ENHANCED SWOT ANALYSIS2

9. UNITED STATES PESTEL ANALYSIS2

9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors

10. VILLAGE BANK & TRUST FINANCIAL CORP. IFE, EFE, IE MATRICES2

10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix

11. VILLAGE BANK & TRUST FINANCIAL CORP. PORTER FIVE FORCES ANALYSIS2

12. VILLAGE BANK & TRUST FINANCIAL CORP. VRIO ANALYSIS2


APPENDIX: RATIO DEFINITIONS


LIST OF TABLES

Village Bank & Trust Financial Corp. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Village Bank & Trust Financial Corp. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Village Bank & Trust Financial Corp. Major Shareholders
Village Bank & Trust Financial Corp. History
Village Bank & Trust Financial Corp. Products
Revenues by Segment
Revenues by Region
Village Bank & Trust Financial Corp. Offices and Representations
Village Bank & Trust Financial Corp. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Village Bank & Trust Financial Corp. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Village Bank & Trust Financial Corp. Capital Market Snapshot
Village Bank & Trust Financial Corp. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Banks and Thrifts Industry Statistics
Village Bank & Trust Financial Corp. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Village Bank & Trust Financial Corp. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Historical Surprises1
Revenue Estimates Trend1
Earnings Estimates Trend1
Revenue Revisions1

LIST OF FIGURES

Village Bank & Trust Financial Corp. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Village Bank & Trust Financial Corp. 1-year Stock Charts
Village Bank & Trust Financial Corp. 5-year Stock Charts
Village Bank & Trust Financial Corp. vs. Main Indexes 1-year Stock Chart
Village Bank & Trust Financial Corp. vs. Direct Competitors 1-year Stock Charts
Village Bank & Trust Financial Corp. Article Density Chart

1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.

Enhanced SWOT Analysis

Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:

  • How to use the strengths to take advantage of the opportunities?
  • How to use the strengths to reduce likelihood and impact of the threats?
  • How to overcome the weaknesses that obstruct taking advantage of the opportunities?
  • How to overcome the weaknesses that can make the threats a reality?

Upon answering these questions a company can develop a project plan to improve its business performance.


PESTEL Analysis

PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.

Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.

Key Factors Examined by PESTEL Analysis:

  • Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
  • Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
  • Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
  • Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
  • Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
  • Legal – What laws and legislation will exert influence on the style the business is carried out?

IFE, EFE, IE Matrices

The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.

The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.

The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.

Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.


Porter Five Forces Analysis

The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:

  1. What composes a threat of substitute products and services?
  2. Is there a threat of new competitors entering the market?
  3. What is the intensity of competitive rivalry?
  4. How big is the bargaining power of buyers?
  5. How significant is the bargaining power of suppliers?

VRIO Analysis

VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:

  • Tangible resources
    • Financial
    • Physical
    • Technological
    • Organizational
  • Intangible resources
    • Human
    • Innovation and Creativity
    • Reputation
  • Organizational capabilities

The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:

  • Valuable?
  • Rare?
  • Costly to imitate?
  • Organized properly?
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